ether.fi Cash Card
DeFi-native self-custody card with 3% wETH cashback on first $2K/month (no staking required, no annual fee)
5
+Pros
- True self-custody via Gnosis Safe wallets (you control private keys)
- 3% cashback on first $2K/month with no staking required
- No annual fee or monthly fee
- 1% FX fees on USD
- 0% FX fees on EUR
- Free virtual and physical cards
- Credit and debit modes with instant toggle (Direct Mode and Borrow Mode)
- Apple Pay and Google Pay support
- 100M+ merchant acceptance worldwide
- Repay anytime with no monthly minimums
- Borrow against staked ETH without selling (tax-efficient)
- Hotel perks (up to 65% off + 5% cashback)
- Referral program (1% on referral purchases)
- Tiered cashback structure (3% up to $2K, 1% $2K-3K, 0.5% above $3K)
- All public tiers share identical fees
- Liquid Vault earns 5%+ APR on idle USDC
- Cashback deposited monthly to vault in wETH
- Non-custodial DeFi architecture eliminates counterparty risk
−Cons
- Newer platform with shorter track record (founded 2022)
- 2% ATM withdrawal fee with no free allowance
- Cashback drops significantly after $2K/month (1% at $2K-3K, 0.5% above $3K)
- wETH rewards subject to crypto price volatility
- Self-custody means self-responsibility (no recovery if keys lost)
- Self-custody requires understanding of wallet management
- Limited supported coins (8 total)
- Not suitable for users unfamiliar with DeFi or wallet management
- Regional availability varies
- Credit mode creates tax complexity (borrowing vs spending)
- 1% FX fee on USD transactions
- Limited US availability at launch
- UK availability pending FCA approval (expected September 2026)
- EUR transactions have 0% FX but adjusted cashback rates may vary
- Physical card requires minimum portfolio balance ($5K for Luxe tier)
- Core tier has $2K monthly spending limit
Features
Non-custodial Gnosis Safe wallet integration (funds on Scroll L2)Non-custodial Gnosis Safe wallet integration (funds on Scroll L2)
Credit and debit modes with instant toggle (Direct Mode: spend from balancesCredit and debit modes with instant toggle (Direct Mode: spend from balances
Borrow Mode: pledge assets as collateral)Borrow Mode: pledge assets as collateral)
Tiered cashback (3% on first $2K/month, 1% $2K-3K, 0.5% above $3K) paid in wETHTiered cashback (3% on first $2K/month, 1% $2K-3K, 0.5% above $3K) paid in wETH
Monthly spending limits by tier (Core $2K, Luxe $10K, Pinnacle $50K, VIP unlimited)Monthly spending limits by tier (Core $2K, Luxe $10K, Pinnacle $50K, VIP unlimited)
Apple Pay and Google PayApple Pay and Google Pay
Virtual and physical cards (free)Virtual and physical cards (free)
100M+ merchant acceptance100M+ merchant acceptance
Repay anytime flexibilityRepay anytime flexibility
Fund from banks and exchangesFund from banks and exchanges
Membership points (3,000 points per $1,000 spent)Membership points (3,000 points per $1,000 spent)
Hotel booking perks (up to 65% off + 5% cashback)Hotel booking perks (up to 65% off + 5% cashback)
Referral program (1% cashback on referrals)Referral program (1% cashback on referrals)
Three virtual cards per accountThree virtual cards per account
Spend against staked ETH collateralSpend against staked ETH collateral
0.2% fiat-to-crypto conversion0.2% fiat-to-crypto conversion
Liquid Vault with 5%+ APR on USDCLiquid Vault with 5%+ APR on USDC
Cashback deposited monthly to vaultCashback deposited monthly to vault
Four membership tiersFour membership tiers
Quarterly ETHFI bonus from 2M token poolQuarterly ETHFI bonus from 2M token pool
Self-custody architecture with user-controlled private keysSelf-custody architecture with user-controlled private keys
Fee Structure
Trading FeeN/A (DeFi-native, non-custodia
Withdrawal Fee2% ATM withdrawal fee across all tiers; monthly ATM withdraw
Deposit FeeNone; 0.2% fiat-to-crypto conversion fee applies when fundin
Signup Bonus
None advertised
Free Core membership provides access to all card features. No signup bonus currently offered. Four membership tiers based on portfolio balance: Core (free, $0 min), Luxe ($5K min), Pinnacle ($50K min), VIP (invite-only). Monthly spending limits scale by tier: Core $2K, Luxe $10K, Pinnacle $50K, VIP unlimited. Cashback deposited monthly to vault in wETH.
Expert Verdict
ether.fi Cash Card is a revolutionary non-custodial crypto card built on Gnosis Safe wallets and Scroll L2, giving users true self-custody while earning cashback. Your crypto remains in your control in a self-controlled Safe vault on Scroll — ether.fi never holds your funds. Available in US (select states), EEA, UK, and select global markets including HK and UAE.